My first question is Is it true that for Everything Else..There's Really Discover Card? Thanks for any answer or 2. Another question on my mind: So I'm at a crossroads, could really use some advice from this community. I've had a BofA secured Discover credit card for over a year now, $1000 limit, never been late. I requested they upgrade me to an unsecured card, just got off the phone with them and my request was denied because I have a CO from 2005. It was PIF, but is still on my report. Apparently my unblemished history on the current secured card is not enough to outshine this old CO..

A couple days ago, I requested another secured card from BofA through their website. The only current TL on my CR is my secured BofA card and based on my research here I should have at least 2 - 3 open TL's in good standing. This is probably why my score hasn't moved much in the past 12 months. So I apply for another secured card, get the hard inquiry on my CR, called BofA to find out application status and the rep told me they only allow 1 secured card per customer and that my application is going to be declined..

2 questions:.

1) What are my chances of having BofA remove the hard inquiry they recently made in reference to this application? There is no information on their website saying a customer can only have 1 secured card, so I didn't know. If I had known, I wouldn't have applied..

2) If you agree that I should have another open revolving TL on my CR to help increase my score, what should I apply for? Can I get a secured card without a hard inquiry? That would be the best option for me I think..

Advice? My wife and I really want to buy a home this Spring and with my scores stuck in the 660/670 range I'm afraid we're going to get killed on the APR...